Student Plan Comparision

Which is the best Student insurance plan in India?

India today exports around 200,000 students every year to foreign Universities/Colleges for their higher education, this is the second ranked country after China in terms of students travelling abroad. Not surprisingly, USA is a the most popular destination for Indian students although the number of students visiting USA have started reducing year on year, given the visa challenges as well as growing popularity of other countries. Given this growth of the student insurance numbers, the Indian insurance companies have rolled out Student Health insurance plans which are comprehensive in terms of coverage and competitive in terms of premiums. An important factor to consider is that the Indian Student Health Insurance plans are comparable with local health insurance requirements in foreign countries and hence can be used as a substitute insurance plan in place of the plans offered by the University/College.

Currently most of the students avail their insurance coverage from the University/Colleges but it is recommended that they review and compare the Indian Student Health insurance plans as well before making a final decision. Most Indian insurers have a Student Health insurance plan for both American Markets as well as Rest of the World depending on the destination country that the student is proceeding to for their studies – Americas, Rest of the World, Asia etc. The advantage of the Indian insurance plans is that they not only offer Medical coverage but also Non-Medical covers like Sponsor Protection, Compassionate Visit, Study Interruption, Maternity Cover etc. You can compare the available Student Health Insurance plans to make a final decision.

Apollo Munich Insurance Plans Bajaj Allianz Insurance Plans Cholamandalam Insurance Plans Future Generali Insurance plans HDFC ERGO Insurance Plans Reliance Insurance Plans Religare Insurance Plans Royal Sundaram Insurance Plans TATA AIG Insurance Plans
(All benefits displayed at maxmimum available limits - $USD) Apollo Bajaj Allianz Cholamandalam Future Generali HDFC Ergo Reliance Religare Royal Sundaram Tata AIG
Emergency Accident & Sickness Medical Expenses 500,000 1,000,000 250,000 500,000 500,000 500,000 1,000,000 750,000 500,000
Coverage for Pre Existing Conditions (in Life Threatening situations)             100,000 5,000 5,000
Maternity Benefit 500     2,000 500     3,000 3,000
Treatment for Mental & Nervous disorders (including drug dependence) 1,000     1,000 1,000   1,000 2,500 2,500
Cancer Screening & Mamography 2,000       2,000   4,000 3,000 3,000
Sickness Dental Coverage 500 500 250 500 500 500 750 500 500
Personal Liability 100,000 150,000 100,000 200,000 100,000 150,000 100,000 500,000 500,000
Study Interruption 10,000   7,500   7,500 10,000 15,000 25,000 25,000
Sponsor Protection 20,000 10,000 10,000 15,000 10,000 10,000 15,000 25,000 25,000
Compassionate Visit (2 way) 7,500 7,500 7,500 10,000 7,500 7,500 7,500 10,000 10,000
Bail Bond 5,000 500 5,000 2,500 5,000 5,000   5,000 5,000
Tution Fee   10,000   25,000          
Laptop Insurance   500         250 500  
Felonious Assault 7,500     10,000       25,000 25,000
University Insolvency             7,500    

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